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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | -19.3% | -9.2% | -4.1% | -1.1% | -0.1% |
| Est. Monthly Reward (₹) | (965) | (920) | (825) | (540) | (60) |
| All-India Rewards Rank* | 380 | 380 | 380 | 380 | 379 |
| Within Bank Rank* | 40 | 40 | 40 | 40 | 40 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.
^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee. |
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The ICICI Bank Emeralde Credit Card gives 1% effective reward on all spending, except for utilities & insurance payments which earn 0.25%.
The Emeralde has a very high annual fee of ₹12,000, because of which we do not see positive net reward yield with this card even at monthly spending level of ₹1 lacs+.
However, the Emeralde offers unlimited domestic and international airport lounge access as well unlimited spa access domestically. This card also comes with up to 4 complimentary visits to many golf courses domestically. So this card may be useful for people traveling very frequently or for Golfers.
So if lounge access or Golf are important to you, this card may work but it doesn’t make sense as a rewards card.
The Mine Credit Card is the best credit card from ICICI Bank for most people.
Sign up for the PRO 49 plan if you are spending less than ₹20,000 a month on your card. The PREMIUM 149 plan is best if you are spending between ₹20,000 – 50,000.
You can earn a net reward yield of 1.4-1.8% on all your spending with this credit card.
If you are spending more than ₹50,000 a month on your card, the Amazon Pay ICICI Bank Credit Card is the best option from ICICI Bank. We estimate you can earn a net reward yield of 1.2% with this card.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | ICICI Bank Emeralde Credit Card |
|---|---|
| Card Type | Reward |
| Reward Features | 4 Reward Points / ₹100 on all spending
1 Reward points / ₹100 on: |
| Milestone Rewards | Nil |
| Other Rewards | – Unlimited Complimentary Domestic and International Airport Lounge Visits / Qtr
– ₹750 off on second movie tickets on BookMyShow ( Max. 4 tickets /mth.) – 15% off on dining under the Culinary Treats program – 4 Golf Rounds / mth. – Unlimited Complimentary Spa at Domestic Airports |
| Rewards Redemption Fee | ₹99 |
| Reward Caps | Unlimited |
| Preferred Redemption Method | Cashback against statement balance 1RP=₹0.25 |
| Card | ICICI Bank Emeralde Credit Card | |
|---|---|---|
| Joining Fee | ₹12,000 + Taxes | |
| Annual Fee | ₹12,000 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
₹15 Lacs | |
| Income Criteria | Salaried | ₹3 Lacs p.m. |
| Self-employed | ITR>₹30 Lacs | |
| Supplementary Card Fee | Free | |
| Interest Rate | 40.80% p.a. | |
| Foreign Currency Markup | 1.50% | |
| Cash Advance Charge | Nil | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
